HMDA Dataset Info¶

<class 'pandas.core.frame.DataFrame'>
Index: 3533892 entries, 0 to 4456613
Data columns (total 19 columns):
 #   Column                            Dtype  
---  ------                            -----  
 0   race                              object 
 1   sex                               object 
 2   co_applicant                      object 
 3   age                               object 
 4   income                            float64
 5   loan_amount                       int64  
 6   property_value_ratio              float64
 7   mortgage_term                     object 
 8   debt_to_income_ratio              object 
 9   combined_loan_to_value_ratio      float64
 10  tract_to_metro_income_percentage  object 
 11  white_population_pct              float64
 12  metro_name                        object 
 13  metro_code                        object 
 14  metro_size_percentile             object 
 15  state_code                        object 
 16  county_code                       object 
 17  census_tract                      object 
 18  loan_outcome                      object 
dtypes: float64(4), int64(1), object(14)
memory usage: 539.2+ MB
None
race sex co_applicant age income loan_amount property_value_ratio mortgage_term credit_model debt_to_income_ratio combined_loan_to_value_ratio main_underwriter tract_to_metro_income_percentage lender_type lender_size white_population_pct metro_name metro_code metro_size_percentile state_code county_code census_tract loan_outcome lender_id fips
2200445 Race NA NA No co-applicant 25 through 34 57.0 135000 0.512 30 year mortgage Equifax Manageable (36-42%) 89.984 Desktop Underwriter Middle (80-120%) Independent Mortgage Companies 34041 15.642584 Washington-Arlington-Alexandria, DC-VA-MD-WV 47894 90th percentile 24 033 24033800213 Loan originated (approved) 213800QUAI2VH5YM6310 24033
1378070 Race NA Male No co-applicant 25 through 34 87.0 345000 0.989 30 year mortgage Experian Manageable (36-42%) 97.000 Loan Prospector Middle (80-120%) Independent Mortgage Companies 282102 81.671185 Washington-Arlington-Alexandria, DC-VA-MD-WV 47894 90th percentile 24 009 24009860401 Loan originated (approved) 549300J7XKT2BI5WX213 24009
95096 White Male Co-applicant 35 through 44 149.0 525000 1.526 Less than 30 years TransUnion Manageable (36-42%) 80.000 Not Applicable Upper (>120%) Banks 33699 66.019797 Nashville-Davidson--Murfreesboro--Franklin, TN 34980 80th percentile 47 187 47187050208 Loan originated (approved) 549300OBO7DOF2KOP535 47187

Mortgage outcomes in HMDA data¶


Applicant Characteristics¶



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What leads to loan denials?¶

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Are disparities focused in any geographic areas?¶

Denial rates in the Chicago metropolitan area:¶

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